LD&B Insurance & Financial Services (LD&B) is an independent and employee owned firm that provides a full range of insurance and financial services to individuals and businesses. We are proud to serve clients in the central Shenandoah Valley and throughout the United States.

Announcements

  • Our Benefits Administration division has their own website. Click here if you are looking for the LD&B Benefits Card Login.
  • We are hiring! Click here to view our open positions.

Auto Insurance

Utilizing high deductibles on the physical damage coverages can help reduce premiums.
Get Coverage

Home Insurance

If you have tangible assets, you need the protection of a homeowners insurance policy.
Get Coverage

Business Insurance

As a business owner, you have enough on your mind without having to worry about your insurance needs.
Get Coverage

Health Insurance

Protecting you and your family through all stages of your life.
Get Coverage
Financial Services

Financial Services

Provide security for years to come with our full suite of financial services.
Contact Us
Employee Benefits

Employee Benefits

Help your business attract and retain the best employees.
Get Coverage

Recent News & Updates

25 Screen-Free Fall Activities For Your Family

Posted: September 20, 2019

The leaves are changing colors, the air is crisp, and the days are getting shorter. That, plus the arrival of pumpkin spice flavored everything, means fall has arrived! Your kids may have started school again. But there’s still plenty of time to have some fun outdoors before winter weather rolls in. Looking to keep your kids active and away from their electronics as the seasons...

Common Commercial Property Insurance Exclusions

Posted: September 19, 2019

Commercial property insurance is designed to protect the physical assets of your business from specific perils, including fire, explosions, storms, burst pipes, vandalism, and theft. It protects your building and its contents, along with fences, signs, and other exterior fixtures. It is a core coverage of your business insurance policy. If you have purchased commercial property insurance coverage for your business, you can expect to...

7 Must-Know Cleaning Hacks For Fitness Gear

Posted: September 17, 2019

Any active person knows the lingering smell of a sweaty gym bag. Even after airing out your equipment or putting it through the wash, the stink can stick around. You might be tempted to wash and dry repeatedly, but this doesn’t always remove those smelly odors. The stench keeps coming back, leaving you frustrated when nothing seems to work. What’s worse – all that trial...

Understanding The Liability Portion Of Homeowners Insurance

Posted: September 16, 2019

Generally, homeowners insurance is designed to help repair or replace your home and belongings if they are damaged by certain covered perils, such as fire or theft. Most homeowners policies also provide liability coverage in case a visitor is injured on your premises, or you accidentally damage another person’s property. You may also add a personal umbrella policy – a type of insurance that provides...